Black credit cards

Black credit cards can be considered to be ‘top tier’ credit cards, offering more premium features and services than platinum, gold or other standard options. Designed for high-earners and spenders, they can offer generous rewards programs, complimentary insurance, dedicated concierge services, travel benefits and much more.

Choose the right black Qantas Points earning credit card for you

There are a number of black credit cards that earn Qantas Points available, all offering a range of exclusive features and benefits. So, when looking for a black credit card, it’s a good idea to go through all the features to decide which ones are the most important to you. Explore our black credit card range here.

Why choose a black credit card?

A black credit card offers more privileges and perks than other types of credit cards. The features and benefits of black credit cards can include:

Higher credit limits
More rewards or Qantas Points per dollar
Higher points caps (or no points caps) for reward programs
More flexible reward programs
Travel vouchers
Greater financial coverage for insurance
Access to airport lounges around the world
Dedicated travel booking services
A personal concierge service
Invitations to exclusive events or promotions
Discounts and special promotions on travel, shopping and dining

When you're deciding on a black credit card, make sure you check the annual fees and other potential costs so that you can decide whether for you, the benefits outweigh the costs of the black credit card that you choose.

How do I apply for a black credit card?

How you apply will differ depending on the issuer. However, it is important to keep in mind:

Applicants must be at least 18 years of age.
You must have an excellent credit history.
You must have a regular source of income. Black credit cards also have higher minimum income requirements
Full-time employment is preferred. If you are self-employed, retired or on a pension and can provide proof of regular income, then you may also be eligible to apply.

What do I need to consider when choosing a black Qantas Points earning credit card?

It is important to ask yourself the right questions to make sure a black Qantas Points earning credit card is the right card for you:

Do you use credit a lot?

If you regularly pay with a credit card, the higher credit limit of a black credit card could offer you more flexibility when it comes to spending. It will also help you get the most out of features such as rewards.

Do you regularly pay off your credit card?

Black credit cards can have higher interest rates than other credit cards, so be sure that you can pay off your card monthly in order to enjoy the benefits fully.

How many of the features will you use?

While it’s great to have access to a wide range of features, the value comes from using them. Think about the features you want and how often you will use them, to decide whether or not a black credit card is right for you.

What you need to know

You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

The credit card products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant credit licensees. The information about the credit products has been provided by the relevant credit licensees and not Qantas. Qantas does not hold an Australian Credit Licence and is not a licensee in relation to the credit activity being engaged in by the relevant credit licensees.

The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept liability for any loss arising from the use of, or reliance, on the information provided on this webpage.

Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.

Compare black credit cards